Types of Insurance

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Generally, insurance serves as a financial safety net that will help us recover from uncertain events like accidents, natural disasters, or even death.

Since insurance is designed to to help policyholder from any type of risk, so, it is very important to know the different types of insurance.

So, in this article, we will discuss some common types of insurance.

Different Types of Insurance

Insurance is an agreement or a contract between you, the policyholder, and the insurance company.

So, below are some of the common types of insurance.

1. Life Insurance

Life insurance is a type of insurance that offers certain amount of money based on the contract or agreement by the policyholder and the insurance company when the insured person died. 

So, when the policyholder dies, the dependent beneficiaries will receive cash benefits known as the death benefits.

This amount of money can be used by the beneficiaries to cover the burial or funeral expenses, pay debt (if any), and for their daily expenses.

2. Health Insurance

Health insurance is a type of insurance that offers medical expenses to the policyholder when he or she have illness or severe illness that requires preventive care, surgeries, drug prescriptions and other health care services

If you are a policyholder of this type of insurance, then you can use that contract to the insurance company to cover your medical expenses.

3. Auto Insurance

Auto insurance is a type of insurance that protects you as the policyholder when you are involved in any form of accidents cause by automobile.

This contract may include property damages, injuries, and or medical expenses caused by automobile casualty.

Thus, if you are a policyholder if this insuance, the insurance company will surely help you cover the expenses.

4. Property Insurance

Property insurance is a type of insurance that is designed to protect the policyholder against property losses or damages that may be caused by fire, theft, natural disasters such as earthquake, flood, tsunami, storm surge, etc.

5. Travel Insurance

Travel insurance is a type of insurance that is designed to help or protect the policyholder against damages caused by travel.

This includes travel delays or cancellation, damage or lost luggage, and any travel-related emergencies.

Conclusion:

While there are any other specialized types of insurance, the above-list are just few examples of common types of insurance offered by different insurance companies and sectors.

Why Insurance is Mandatory in the United States of America?

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Insurance is very important not only in the United States of America, but also in all other countries.

However, getting an insurance plan is not that mandatory. 

It really depends on the types of insurance and country where you are in.

In the USA, buying an insurance plan depends on the city you are in.

There are some cities that require you to buy a specific plan, while other cities don’t take it as mandatory.

So, in this article, we will learn the common reasons why insurance may be mandatory or highly recommended in the USA.

1. Risk Management

One of the reasons why insurance is highly recommended in the USA is for risk management.

We are living in a world that is full of uncertainty.

Thus, having an insurance plan will help us manage financial risks when uncertain events such as accident (that may lead to death), illness, liabilities, and disasters occur.

2. Protection of Assets

Another reason why insurance is often mandatory in the USA is to protect our assets.

Because of the uncertain events, you will get protection from insurance company once unforeseen events like car accident occurs.

For example, in an accident, of course, you are required to pay the damages/injuries, but since you are cover with auto insurance, the insurance company will shoulder all the expenses caused by accident.

3. Legal Requirements

As stated above, getting an insurance plan may be mandatory or highly recommended for some reasons.

In the United States of America, mostly, buying an insurance plan is required and mandated by the law just to protect and ensure that individuals can manage the costs of potential liabilities like car accident.

For example, auto insurance plan is required in most cities in the USA just to protect the driver and other property when a car accident occurs.

4. Economic Stability

Economic stability is another reason why insurance is very important in the United States of America.

Insurance helps us to manage financial losses without disrupting our acitivity.

So, if we have insurance plan, you do not need to worry when uncertain events occur.

5. Public Interest

Of course, public interest is one of the major reasons why insurance in the USA is highly recommended.

This is because they want us to feel safe, financially stable, and have access to services like health care.

For example, health insurance will help us to reduce our burden on public healthcare system especially on medical bills.

So, if we have health insurance, the insurance company will cover some or all expenses in the hospital like medical bills.

Conclusion:

While buying insurance depends on the place we are living, still, it is very important to buy an insurance plan because it will really help us to manage financial constraints when uncertain events occur like accident, illness, natural distasters, etc.

Manulife Health Insurance – Your Guide to Wellness

Life is one of the most precious and valuable things in the world.

That is why, we do everything just to have a healthy and comfortable life.

However, what the future brings is beyond our control.

All of us are prone to illnes and no one is exemptend of this phenomenon.

And of course, treatment requires resources like money for medicines, consultations, follow check-ups, etc.

Unfortunately, a lot of people don’t have the capacity to send themselves nor their family members to the hospital due to financial constraint or perhaps the government don’t have enough resources.

So, before this uncertain event happens, we need to do something.

Why not let others pay our medical expenses like hospitalization, surgery, medicines, etc.?

Maybe you are thinking if it is possible, right?

Well, the answer is a big YES! 

And you need to have a health insurance plan!

Manulife Health Insurance Plan

Manulife Health Insurance is a type of insurance that is designed to help individuals and families manage themselves against healthcare expenses.

This means that Manulife Health Insurance will cover your medical bills, medications, surgeries, and any other related healthcare services.

Well, some government offers healthcare services for free but sometimes, their healthcare services are limited and may not fully cover all treatmens.

So, to lessen our burden on medical expenses, it is very important to have a health insurance plan.

Different insurance companies offer different healthcare plans, and below are some of the healthcare programs that Manulife Health Insurance may cover.

1. Hospitalization

This program covers expenses hospital fees like the number of days you are in the hospital (hospital stays) which includes room and board, nursing care and other related hospital services.

2. Medical Services

A program which covers expenses like consultation, diagnostic or laboratory tests, check-ups, and any other related medical services,

3. Prescription Drugs

A program which covers medications or medical treatments prescribed by doctors or any healthcare specialists.

4. Dental Care

This covers expenses related to dental like dental examinations, cleanings, and any other related dental care services.

5. Vision Care

This program covers expenses related to eyes like eye examination, cleaning, corrective glasses, and any other related vision care services.

6. Paramedical Services

This program covers expenses related to paramedical services like physiotherapists, chiropractors, massage therapists, etc.

7. Medical Equipment and Supplies

This includes medical equipments and supplies like surgical equipments, ventilators, centrifuge, etc.

8. Travel Insurance

This program covers expenses when medical treatment requires the policyholder to travel outside the country.

9. Critical Illness Coverage

A program that covers critical illnesses like cancer, kidney failure, heart attack, surgeyry, etc.

Conclusion:

These are just some of the coverage the Manulife Health Insurance offers to its policyholder.

However, it is very important to read and review their policy program so that you are aware about the inclusions and exclusions of the program and how health insurance plan works.

Also, you may opt to consult a licensed insurance advisor so that you can discuss and help to decide which plan meets needs based on your budget.

Manulife Life Insurance – Its Benefits and How it Works

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Life Insurance is a type of insurance that is highly recommended by insurance companies.

In general, life insurance provides financial aids to the beneficiaries when their loved ones, the policyholder, dies.

And in this article, we will give you insights about the benefits of life insurance and how it works.

Manulife Life Insurance – Its Benefits

1. It will give your family (the beneficiaries) a financial suppport.

When you pass away, of course, your family will look for a certain amount of money to cover your burial and funeral costs.

However, with life insurance, the bebeficiaries (usually your family), will receive a lump sum payment, also known as death benefits.

This amount of money can be used by your family to cover the costs.

2. This will serve to your family as “income replacement.”

If you are the “breadwinner or the provider” in your family, surely, they will start from the scratch to find work or job to suffice their daily needs.

Thus, if you are insured, they can use that lump sum or “death benefits” to start a business that will serve as their income replacement.

3. This can be used as “debt repayment.”

if you have loans, or under mortgage agreement, your family can use the lump sum to pay off any outstanding debts.

Thus, it helps them to lessen the financial burden

4. Can be used in estate planning

If you have property, your family can use the money to cover the expenses like paying estate taxes and other expenses like processing fees when transferring your property’s name to your heirs ensuring for a smooth transaction.

Life Insurance – How it Works

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Manulife Educational Plan – Secure Your Child’s Future

When it comes to our loved ones especialiiy the young ones, it is very important to have an educational plan.

Of course, we are in a world that is full of uncertainty and that, we don’t know what the future brings about.

So, as parents, we don’t want that our children will suffer adversity.

Thus, securing their future must be our top most priority.

Ideally, Manulife, an insurance company is here and ready to help you to make an educational plan about your children.

Manulife Educational Plan

Manulife, an insurance company, offers various educational plans aiming to help parents secure the future of their children.

These plans include investment or savings that can be used to cover some educational expenses like books, tuitions, dormitory, gadgets for educational purposes, etc.

However, these plans may not available in all countries.

Some countries may have a specific plan, while other may not, depends on the available services in 

However, Manulife Educational Plans may not be available to all countries as it may depends on some factors like the availablity of services, specific rules and regulations.

Depending on areas, some countries may have specific offers that may not be available in the country where you are living in.

Common Features of Manulife Educational Plans

1. Regular Contribution

As the term itself, this feature requires regular contributions, a payment contribution over a set period of time.

This approach will help you to become disciplined in building up the educational funds of your children.

2. Investment Options

One of the education plans that Manulife offers is the “investment option.”

This plan allows you to choose the level of risk (risk tolerance) you are comfortable with, your investment objective (goal), and the potential to earn ROI (return on investment) from your contributions.

3. Flexibility

Manulife offers flexibility plan.

This means that you can adjust your contributions and its frequency (either monthly, weekly, etc.) based on your financial capacity.

4. Tax Benefits

This Manulife plan depends on the country where you are in and specific regulations.

This plan allows you to qualify for tax benefits which can be used as additional savings.

5. Education Support

Manulife may also provide educational or learning materials, resources and tools just to help you plan your child’s education.

Conclusion:

If you are planning for your child’s educational plan, always read and review the terms and conditions of the educational plan offered by the company like the Manulife or any other financial institutions that offer educational plan.

What is Insurance? – A Simple Guide for Beginners

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Introduction to Insurance:

When people heard the word “insurance”, a lot of misconception ideas came on their minds such as follows:

1. They think that insurance is only for wealthy people or individual.
2. They don’t need insurance yet since they are healthy and young.
3. Some think that insurance is a waste of money especially if you were not able to file a claim, you can’t get your money.
4. That insurance companies always denies claims.
5. Moreover, they rely on Government Assistance.

Well, these are just some of the misconception that some people think about insurance.

However, if we dig more about what insurance really is, we will understand why it is very important to have an insurance.

What is insurance?

According to Grange Insurance, “insurance” is a financial safety net that will help us to recover from sudden loss when something bad happen in the future.

Also, insurance will give us financial security and peace of mind by transferring the burden of potential losses to the company where we are insured.

For instance, when calamity hits us or an an accident, we’ve been able to recover from it since we are insured.

Or, what if one of our family members dies and we don’t have enough resources for the burial, if that person is insured, we can file a claim to get financial support from the insurance company.

And this is true, because what future brings about is beyond our control.

Thus, this is how insurance works in our lives.

Types of Insurance

What are the types of insurance?

There are many types of insurance that we can apply depends on our needs.

Types of Insurance:

Life Insurance

• This type of insurance will give us financial protection in the event of death.

Health Insurance:

• A type of insurance that will help us recover from medical expenses.

Auto Insurance:

• A type of insurance that protects you from accidents or damage to vehicles.

Homeowners Insurance:

• An insurance that safeguards your homes and belongings when something happens like fire, theft, and natural events or disasters.

Business Insurance:

• A type of insurance that will protect your business from various risks like property damage, liability, and interruption of operations.